- Our UK Team are online and ready to take your call: 01617110304
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FCA Regulated Advisor
Many UK Businesses Protected
- Specialist Policies
- No hidden fees or excess
- FCA Regulated
- Instant same-day cover
Your office insurance, sorted
Answer a handful of questions about your workspace, team and tech. A specialist broker assembles a tailored policy .
Tech Assets
PC / Servers cover
Liabilities
Public & Employers
Premises
Owned or rented
150+
Collective years of industry knowledge
(The Spencer Hayes Promise)
One broker. One
policy. Zero runaround.
We're not a comparison site. Instead an independently owned insurance broker serving business across the UK.
Mon–Fri · 09:00–17:00 GMT
(The Spencer Hayes Promise)
Everything you'd ask a broker — answered up front.
What does office insurance actually cover?
A modern office insurance policy bundles four core protections: contents and tech assets (laptops, servers, AV kit, furniture and tenant fixtures), public liability for visitors and clients on your premises, employers' liability for staff — a legal requirement in the UK — and business interruption to replace lost income if a fire, flood or break-in forces a temporary closure. Optional add-ons include cyber liability, professional indemnity, hardware breakdown and legal expenses.
How much does office insurance cost in the UK?
Premiums start from around £99/yr for a sole trader with a single desk and minimal contents. A 10-person professional services firm in a private suite typically pays £400–£900/yr depending on contents value, postcode and claims history. Multi-site corporates with high-value tech can expect bespoke pricing from £2,000/yr. The biggest levers are contents valuation, employer headcount and chosen liability limits.
Do I legally need office insurance?
Employers' liability insurance is a statutory requirement in the UK for any business with at least one employee, with minimum cover of £5m (we recommend £10m as standard). The remaining covers — contents, public liability, business interruption — aren't compulsory but are typically required by commercial landlords, investors and enterprise clients before they'll sign a contract.
How fast can I get covered?
Many office insurance policies can be arranged the same working day. Submit your details via the quote builder above and a specialist broker will review your requirements and source suitable terms. Once cover has been agreed, policy documents and certificates are issued promptly. Timescales may vary depending on the complexity of the risk and any insurer referrals required.
A private broker for landlords. Tailored property owners insurance, with rates you won't find on a comparison site.
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Spencer Hayes Group
Authorised & regulated by the FCA. Cover for residential, commercial and unoccupied properties across the UK.
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